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ophthalmologist.
The blindness must not be
correctable by surgical
procedures, implants or
any other means.
Manulife CI FlexiCare (Deluxe) v0123
Page 14 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Conditions
7. Coma
Early Stage
Coma for 48 hours
Coma that persists for at
least forty-eight (48)
continuous hours. This
diagnosis must be
supported by evidence of
all of the following:
• No response to external
stimuli for at least fortyeight (48) hours;
• The use of life support
measures to sustain life;
and
• Brain damage resulting
in permanent
neurological deficit
which must be assessed
at least thirty (30) days
after the onset of the
coma.
For the above definition,
medically induced coma
and coma resulting directly
from alcohol or drug abuse
are excluded.
Intermediate Stage
Severe Epilepsy
Severe epilepsy confirmed
by all of the following:
• diagnosis made by a
specialist in the relevant
field by the use of
electroencephalography
(EEG), magnetic
resonance imaging
(MRI), position emission
tomography (PET) or
any other appropriate
diagnostic test that is
available,
• there must be
documentation of
recurrent unprovoked
tonic-clonic or grand mal
seizures of more than 5
attacks per week, and
be known to be resistant
to optimal therapy as
confirmed by drug
serum-level testing, and
• the life insured must
have been taking at
least two (2) prescribed
antiepileptic
(anticonvulsant)
medications for at least
six (6) months on the
recommendation of a
specialist in the relevant
field.
Advanced Stage1
Coma for 96 hours
A coma that persists for at
least ninety-six (96) hours.
This diagnosis must be
supported by evidence of
all of the following:
• No response to external
stimuli for at least ninetysix (96) hours;
• Life support measures
are necessary to sustain
life; and
• Brain damage resulting
in permanent
neurological deficit
which must be assessed
at least thirty (30) days
after the onset of the
coma.
For the above definition,
medically induced coma
and coma resulting directly
from alcohol or drug abuse